Overdraft Protection

Protect your business accounts from accidental overdrafts. Everyone makes mistakes once in a while—don't let those mistakes end up costing you more than you can afford! We offer many different options to make sure that your corporate purchases always go through smoothly. Get the plan that works best for you and your business.

Choose one method, or a sequence of methods, to create a personalized overdraft protection plan. No matter what your situation we can help you protect your account and your reputation.

Protect your credit

No merchant returned check fees

Keep debit card from being rejected

Avoid embarrassment

No monthly fee

Low per usage charge

Overdraft Transfers

Link your savings or money market account to your checking and if you go over your balance we will automatically transfer funds in to cover the overage.

No monthly maintenance fee

Low $7.50 per-transfer fee

Transfers count against any transaction limitations

Courtesy Pay

As a Spirit of Alaska member, you automatically have overdraft protection on checks and automatic payments. You can also opt in to receive coverage on your debit card as well. We can cover any overages so you can always buy the things you need.

Avoid having debit card rejected

No monthly maintenance fee

Free unless you use it

Low $30 charge per usage

Overdraft Line of Credit

If you think you're going to overdraft your account often or by a large amount, a line of credit might be just what you need. Apply for it just like a loan; once you're approved, you can access it whenever you need it. No set up charges are incurred and you may pay off the line of credit at any time.

No set-up or maintenance fees

Pay interest on only what you use

$500 minimum advance

Based on approved credit

Some restrictions may apply

Opt In/Opt Out

Beginning July 10, 2010, if you want your ATM and one-time debit card transactions to be covered by overdraft protection, you must opt-in. Why would you want to opt-in? Well, if overdraft protection is not in place you might encounter a denied transaction just when you need it most, for example at the gas station or the grocery store.